topic Re: Current Standing with letters in Rebuilding Your Credit

Current Standing with letters

LoveGoodCredit — Sat, 15 Sep 2012 15:19:48 GMT

Okay I am going out on a limb here with some disputes:

BOA letter emailed to one of the CEOs to remove a few lates to a paid off in good standing mortgage - asked in a very honest but nice way.

MOV letter going out to equifax regarding an account that was supposidly verified to a closed collection agency for my student loan.

Letter to Capital1 to remove two inquiries for their prequal card, which wasnt supposed to report to the CRA.

One PFD letter going out for one of the medical bills to a local collection agency.

One comlaint to the BBB regarding a collection agency who hung up on me and told me "You should have paid your bills".

ALL Adresses that do not belong to me are deleted from all my reports except TransUnion but I will write them soon.

Any advice on any of this will help!

Re: Current Standing with letters

RobertEG — Sat, 15 Sep 2012 21:08:57 GMT

"Letters" have different flavors. Some compel response, others dont. It seems you have a hodge-podge of different "letters."

I am unsure of what advice you are seeking....

Requests for GW deletion or PFD offers fall in the "no response required" category. They are informal letters.

MOV requests and formal disputes do have statutory periods for response. Those you monitor as to their compliance.

Complaints to a BBB are to a third party who can send letters to the furnisher, but they have no legal enforcement authority.

Did you also send your complaint to the FTC, who is charged with enforecement authority? Those do require furnisher response back to the FTC.

Re: Current Standing with letters

LoveGoodCredit — Sun, 16 Sep 2012 01:54:27 GMT

BOA letter emailed to one of the CEOs to remove a few lates to a paid off in good standing mortgage - asked in a very honest but nice way.

The reason I did this is because it is a good standing account and was paid off, but has a few lates on it. It is an attempt to get those removed, it is markd as paid as agreed but still negative.

MOV letter going out to equifax regarding an account that was supposidly verified to a closed collection agency for my student loan.

The reason I did this is because the collection agency that I was paying I think is closed. Their phone number gives fast busy signal when called and their letters return NO response. SO I think they must be closed, and Equifax is just playing games when I try to dispute it. The just changed one of the dates to the month before.

Letter to Capital1 to remove two inquiries for their prequal card, which wasnt supposed to report to the CRA.

This is for obvious reasons, an attempt to get the inquiries off the report to get some extra points. I filled out a prequal app and it wasnt supposed to report to the CRA.

One PFD letter going out for one of the medical bills to a local collection agency.

This is for a PFD on one of the 6 medical collections, I agreed to pay them 75% if they would remove ALL The negative entries. This is also my first attempt to do a PFD, I didnt send the ones I was going to before because that is the one I reported to the BBB below.

One comlaint to the BBB regarding a collection agency who hung up on me and told me "You should have paid your bills".

This is because the collection agency was rude, very very unprofessional and hung up on me.

Does it look like I did this right? I am still quite a newbie..

Also, any idea how long it takes after negative items get removed?

Re: Current Standing with letters

Shogun — Sun, 16 Sep 2012 02:07:36 GMT

It looks pretty good to me.

Re: Current Standing with letters

jamie123 — Sun, 16 Sep 2012 14:32:39 GMT

You are doing a great job!

You are doing it just as you should, attacking every negative on your report. You really want to end up with them all gone if possible.

@LoveGoodCredit wrote:
BOA letter emailed to one of the CEOs to remove a few lates to a paid off in good standing mortgage - asked in a very honest but nice way.
The reason I did this is because it is a good standing account and was paid off, but has a few lates on it. It is an attempt to get those removed, it is markd as paid as agreed but still negative. If you don't get a response in a few weeks you might want to try sending him a regular letter using snail mail. CEOs have a staff that responds to all his mail.

MOV letter going out to equifax regarding an account that was supposidly verified to a closed collection agency for my student loan.
The reason I did this is because the collection agency that I was paying I think is closed. Their phone number gives fast busy signal when called and their letters return NO response. SO I think they must be closed, and Equifax is just playing games when I try to dispute it. The just changed one of the dates to the month before. Good thinking here! If the MOV doesn't work you might want to DV this, the phone number is incorrect and is on your report.

Letter to Capital1 to remove two inquiries for their prequal card, which wasnt supposed to report to the CRA.
This is for obvious reasons, an attempt to get the inquiries off the report to get some extra points. I filled out a prequal app and it wasnt supposed to report to the CRA. This is okay, but I woudln't really worry about it.

One PFD letter going out for one of the medical bills to a local collection agency.
This is for a PFD on one of the 6 medical collections, I agreed to pay them 75% if they would remove ALL The negative entries. This is also my first attempt to do a PFD, I didnt send the ones I was going to before because that is the one I reported to the BBB below. Good job!
One comlaint to the BBB regarding a collection agency who hung up on me and told me "You should have paid your bills".
This is because the collection agency was rude, very very unprofessional and hung up on me. Go poke em in the eye! (This is why you want to do everything by mail.)

Does it look like I did this right? You did great! I am still quite a newbie..

Also, any idea how long it takes after negative items get removed? You should really give them 30 days to respond to all of this. You need to be a little careful with asking for too much at once. The CRAs will sometimes start to consider a person's requests as frivolous because they are asked repeatedly to check the same information. You need to space out your requests somewhere between 30 to 45 days to avoid this.

It will take anywhere from 2 weeks to 2 months for a negative to actually be removed from your reports for your efforts done here. First the CAs need to decide to remove it, then they notify the CRAs, then the CRAs take a bit of time themselves.

You are doing a great job! Keep up the hard work!

Re: Current Standing with letters

jamie123 — Sun, 16 Sep 2012 15:09:02 GMT

Okay...Here's a bit of advice.

Slow down a bit and put all your efforts towards one problem at a time. Don't write any more letters or make any more requests for at least a month. You have now questioned all the negatives on your report, you need to give everyone a chance to respond.

The collections are your biggest enemy, they are probably dragging your score down by 100 points or more. Hopefully they agree to your PFD letter but what happens if they don't? Start thinking about how you are going to respond to a denial.

Are all your medical collections with one CA?

I know you have had success in removing 2 collections. How old are your remaining collections?

Could you list them here?

Okay..About your scores...

The very minute a collection is removed from your report your scores will go up! Actually that is true for any negative information. It may however be some time before you will actually know it! Credit Karma seems to be slow at picking up the fact that something has been deleted. It could take a week for them to report the deletion. MyFICO seems to be faster with it taking only a few days.

You will probably see your scores jump the most as your last 3 collections are removed regardless of their age.

Don't worry, you are doing everything right! It just takes time!

Re: Current Standing with letters

LoveGoodCredit — Sun, 16 Sep 2012 22:54:36 GMT

Okay this is where I am right now, I really appreciate your ALL OF YOUR GUYS help with this because I cant afford to mess this up. I have my first PFD out in the mail with the CSD collection. This sprint is unverifyable and was removed from the other two beauros, but it came back verified on Equifax. I was going to ask for a MOV to see what they do.

I dont know about experian but it is right up there with TU, they were almost the same the last time I looked.

Transunion

Collection agency [?] Ffcc-Clvland
Original balance [?] $231
Current balance [?] $231
Date assigned [?] Jan 21, 2009
Original lender [?] Med1 02 MacEdonia
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Account information disputed by consumer

Collection agency [?] Strn Cr Rec
Original balance [?] $92
Current balance [?] $92
Date assigned [?] Mar 06, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX
Account holder [?] Individual
Account descriptions [?] Account information disputed by consumer

Collection agency [?] Strn Cr Rec
Original balance [?] $75
Current balance [?] $75
Date assigned [?] Jun 21, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX
Account holder [?] Co-maker
Account descriptions [?] Placed for collection

Collection agency [?] La Rec Svc
Original balance [?] $259
Current balance [?] $259
Date assigned [?] Jan 07, 2011
Original lender [?] Med1 02
Account number [?] XXXXXXXXXXX4920
Account holder [?] Individual
Account descriptions [?] Placed for collection

Collection agency [?] Ffcc-Clvland
Original balance [?] $564
Current balance [?] $564
Date assigned [?] Feb 11, 2008
Original lender [?] Med1 02
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Placed for collection

Collection agency [?] Csd Collctn
Original balance [?] $156
Current balance [?] $156
Date assigned [?] Mar 20, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX0061
Account holder [?] Individual
Account descriptions [?] Placed for collection

EQUIFAX
Collection agency [?] 645YC00000
Original balance [?] $231
Current balance [?] $231
Date assigned [?] Jan, 2009
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Consumer disputes this account information
Medical

Collection agency [?] 645YC00000
Original balance [?] $564
Current balance [?] $564
Date assigned [?] Feb, 2008
Account number [?] XXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

Collection agency [?] 777YC00000
Original balance [?] $259
Current balance [?] $259
Date assigned [?] Jan, 2011
Account number [?] XXXXXXXXXXX4920
Account holder [?] Individual
Account descriptions [?] Medical

Collection agency [?] 495YC00000
Original balance [?] $75
Current balance [?] $75
Date assigned [?] Jun, 2012
Account number [?] XXXXXXXX
Account holder [?] Joint
Account descriptions [?] Medical

Collection agency [?] 495YC00000
Original balance [?] $92
Current balance [?] $92
Date assigned [?] Mar, 2012
Account number [?] XXXXXXXX
Account holder [?] Individual
Account descriptions [?] Medical

Collection agency [?] 217YC01348
Original balance [?] $715
Current balance [?] $715
Date assigned [?] Dec, 2009
Original lender [?] Sprint
Account number [?] XXXXXXXX
Account holder [?] Individual
Account descriptions [?] Consumer disputes - reinvestigation in progress This one should be getting removed

Collection agency [?] 774YA00000
Original balance [?] $156
Current balance [?] $156
Date assigned [?] Mar, 2012
Account number [?] XXXXXXXXXXXXXXXX6705
Account holder [?] Individual
Account descriptions [?] Medical

Re: Current Standing with letters

jamie123 — Mon, 17 Sep 2012 02:34:39 GMT

Collection agency [?] Strn Cr Rec
Original balance [?] $92
Current balance [?] $92
Date assigned [?] Mar 06, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX
Account holder [?] Individual
Account descriptions [?] Account information disputed by consumer

Collection agency [?] Strn Cr Rec
Original balance [?] $75
Current balance [?] $75
Date assigned [?] Jun 21, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX
Account holder [?] Co-maker
Account descriptions [?] Placed for collection

Collection agency [?] La Rec Svc
Original balance [?] $259
Current balance [?] $259
Date assigned [?] Jan 07, 2011
Original lender [?] Med1 02
Account number [?] XXXXXXXXXXX4920
Account holder [?] Individual
Account descriptions [?] Placed for collection

Collection agency [?] Csd Collctn
Original balance [?] $156
Current balance [?] $156
Date assigned [?] Mar 20, 2012
Original lender [?] Med1 02
Account number [?] XXXXXXXX0061
Account holder [?] Individual
Account descriptions [?] Placed for collection

Wow...I mean just...Wow!

4 collections less than 2 years old!

LovesGoodCredit they probably talk about you down at the CA when another of your collections crosses their desk. It probably goes something like this:

Pete: Yo, Tony!

Tony: Yeah wudda ya want?

Pete: I got another one from LovesGoodCredit!

Tony: Ya gotta be kidding me, you just jerkin my chain?

Pete: No, I'm serious! You know where we put the BIG calculator we had to use last time? I can't find it.

We don't live in France, Germany, Sweden, Finland, Norway, The UK, Japan, Ireland, Spain, Italy, Canada, or the other 25 industrialized nations that have socialized medicine and you can see a doctor for free. We live in the UNITED STATES OF AMERICA! You need to pay money to see a doctor or don't go!

I hate to get political, but you are a perfect example of why we need socialized medicine in this country. If you lived in any of the other 35 industrialized nations it would be impossible for you to be in the situation you now find yourself in. It just really p&**&^s me off that we let this happen in the USA.

Okay...Enough of that...Back to our regular programming.

Those 4 collections are your big hitters. You need them removed. You have your letters sent out, it is now just a matter of waiting.

Don't worry, we will get these removed! It might just take a little time.

Re: Current Standing with letters

LoveGoodCredit — Mon, 17 Sep 2012 03:16:00 GMT

LOL.

Thank you!

Yes, I dont know remember getting the bills for those either. They were mixing me and my mom for a while but I got hers removed from my credit. I just didnt see the bill or something and wasnt paying attention. The kids have been to the DR a lot but more so my mom with her strokes, seizures, or cancer.

Just so much of a mess, but now they have been verified, I sent the PFD letters.

So if that dont work do I do hippa? :-/

I have already opted out and deleted old adresses. I have paid so many bills I wish they would calculate the numerous other bills your paying! Anyway, thats what I was saying before, they were mixing them up and the 116 dollar one got removed. They probably came in my moms name or something, either way I gotta take care of these.

I dont remember leaving any visit with a balance, and these must have been billed afterwards.

Re: Current Standing with letters

LIGHTNIN — Wed, 19 Sep 2012 01:57:46 GMT

Hi LovesGoodCredit,

You are very wise doing your homework first,before moving forward.

On medical debt, the DoFD is the date of medical service. Date assigned is the date the CA, opened a file for this debt.

So your actual DoFD are going to be older, then the Date it was assigned to the CA.

Two important dates to know on each debt. 1)DoFD, 2) your states SOL.

Also find out who owns the debt. If the OC still owns it, ask if they will accept payment and pull the debt back from the CA.

If the CA owns the debt, try using PFD letters since the OC is out of the picture.

Some encouragement for you, I managed to get all of my medical debts and my DH too,removed by PFD's or by GW letters.

Good Luck to you.

Re: Current Standing with letters

LoveGoodCredit — Wed, 19 Sep 2012 18:21:34 GMT

Thank you SO much for your encouragement. I am just sitting back and waiting.

However,

Odd that the one I had complained to the BBB with had offered to delete the two entries out of courtesy from my credit report. They tried to attach my husbands bill to it and get me to sign a release form in the attachment.

WOW.

My response back was I agree to pay the two above listed accounts but having some knowledge in the compliance field it is ilegal for me to sign a medical release of anyone elses medical accounts.

We'll see what they come back with.

Re: Current Standing with letters

jamie123 — Wed, 19 Sep 2012 20:47:27 GMT

Wow! That is illegal as heck!

Make sure you keep all your documentation of what just occurred. Write down happened in detail and date and sign that paper. You may never need it, but they just lost a lawsuit if you ever decide to sue them.

Seriously, you should Google HIPPA. And probably HIPPA lawsuits.

Re: Current Standing with letters

LoveGoodCredit — Wed, 19 Sep 2012 20:49:24 GMT

I downloaded the PDF document with their letter attached to it. I am really shocked as hell.